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Car Insurance

You're in good hands. AAMI is the trusted car insurance provider of around 1.8 million Australian drivers.

Lucky you're with AAMI

Buy car insurance for your chance to win

$10,000 CASH
& A FOOTY GETAWAY FOR TWO

Get a quote for your chance to win. Hold or purchase an eligible policy for five entries! Find out more.

Get a quote     T&C's apply

Compare Car Insurance Products

Comprehensive Car Insurance provides cover for your car and for damage to other people’s cars and property, while Third Party Car Insurance only covers the damage you cause to other people’s cars and property. You can get a car insurance quote today, quickly and easily.

 
COMPREHENSIVE CAR
INSURANCE

 $50 OFF

new policies when purchased online

ALL DISCOUNTS AVAILABLE


  • AAMI Comprehensive Car Insurance covers you for damage to both your car and to other people's vehicles and property.
  • For damage to someone else’s vehicle or property, we’ll insure you for up to $20 million. For damage to your car we’ll insure you for up to your amount covered.
  • We’ll also insure you for up to your amount covered if your car is stolen or if it’s damaged by Fire, Hail, Storm or Flood.
  • Enjoy the convenience of a hire car when your car’s damaged in a not-at-fault accident and can’t be safely driven. Hire Car for at-fault incidents is available as an optional extra.

 
THIRD PARTY PROPERTY
DAMAGE

 $20 OFF

new policies when purchased online

ALL DISCOUNTS AVAILABLE


  • Covers you for up to $20 million worth of damage that you cause to other people's vehicles and property only.
  • Cover for Fire & Theft (up to $10,000) is available as an Optional Extra with Third Party Property Damage Car Insurance.
  • With Third Party Car Insurance, you won’t be insured for damage caused to your car if it’s your fault.
  • You won’t be covered for damage caused by hail, storm or flood.

 

Compare Comprehensive and Third Party Car Insurance features

Compare now

 

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

Compulsory by law

CTP or Greenslip

Compulsory Third Party (CTP) is insurance attached to the registration of your vehicle, which provides protection, against compensation claims from people injured in a motor vehicle accident. 

Find out if you need CTP Insurance

OPTIONAL EXTRAS FOR
AAMI Comprehensive Car Insurance

ROADSIDE ASSIST

Get 24/7 Australia-wide roadside assistance if your car breaks down, gets a flat battery or flat tyre, you’re locked out of your car or lose your car keys, run out of fuel, or need to be towed. Offers roadside callouts for less than $86 a year. 

Terms and conditions apply. 

HIRE CAR

With optional hire car cover, enjoy the convenience of a hire car when your car’s out of action because of an incident, even if it’s your fault. We’ll cover reasonable hire costs until your claim is settled or your car is returned to you. 

Terms and conditions apply. 

WINDSCREEN & WINDOW GLASS COVER

Have your damaged windscreen or window glass repaired or replaced once a year, without having to pay an excess. Includes windscreen, window or sunroof glass.

Terms and conditions apply. 

YOU ALSO GET
Customer Rewards

Eligible AAMI customers could save an average of $850* a year on food, fuel and more with Suncorp Benefits, while enjoying enhanced experiences across entertainment, sport and more with AAMI Lucky Club.

Eligible AAMI customers

Eligible AAMI customers who hold the following AAMI policies are eligible for both AAMI Lucky Club and Suncorp Benefits:
• Any Car and Vehicle policies, except ACT CTP
• Home and/or Contents, including Landlord and Strata
• Life
• Income Protection

AAMI customers with a Health Insurance policy are eligible for Lucky Club only, and are excluded from Suncorp Benefits.
AAMI customers with a SA CTP policy are eligible for Lucky Club only, and are excluded from Suncorp Benefits. Please call 13 22 44 for assistance.

$850* a year

Suncorp Benefits customers can save up to 15% off eGift Cards from over 100 retailers.

To access Suncorp Benefits, log in to your account or download the Suncorp App and link an eligible policy.

*Savings based on average monthly household spending of:

  • Food and drinks $1,076
  • Clothing and footwear $176
  • Fuel $164
  • Household furnishings $232

Data obtained from ABS Household Expenditure data 2015-16, using a 4% discount on food and drinks and 5% discount on other items. Please note that individual circumstances may vary and affect the amount that can be saved.

Suncorp benefits

AAMI Lucky Club

To access AAMI Lucky Club, log in or register with an eligible policy.

AAMI customers with the following AAMI policies are eligible for AAMI Lucky Club:

  • Any Car and Vehicle policies, except SA and ACT CTP
  • Home and/or Contents, including Landlord and Strata
  • Life
  • Income Protection
  • Health

 

AAMI customers with the following insurance policies aren’t eligible for either program:

  • CTP (SA and ACT)
  • Business
  • Pet
  • Travel

More for AAMI customers

We'll be there when you need us

Easy, paperless claims 24/7

Whether you lodge and track your claim over the phone or online, say goodbye to mountains of paperwork!

Fast and reliable repairs

Our goal is always to get you back on the road as fast as we can - safely.

Repairs guaranteed for life

We insist on the highest standards for our customers. That's why any repairs we authorise are covered by our Lifetime Guarantee.

Reasons to choose AAMI Car Insurance

We offer unparalleled customer service

24/7 claims, Roadside Assistance, the AAMI Lucky Club and access to online tools.

Contact AAMI

Here when you need us most

Like a big sigh of relief, we'll be here when you need us most. We may even make you smile.

More about our claims

Trusted since 1969

Proud to be one of Australia's most respected and successful insurance companies for over 45 years.

More about AAMI

Car insurance articles

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AAMI Car Insurance
Frequently asked questions

Customer Rewards

We’d like to introduce you to AAMI Lucky Club, a place where our customers come to get access to amazing experiences.

Now that’s not very insurancey.

Find out more

 

Find out exactly what AAMI customers think about our Car Insurance.

Car Insurance is rated 4.6 out of 5 by 4569.
Rated 5 out of 5 by from Car insurance Was simple to complete and very convenient. Insurance quick.
Date published: 2019-08-04
Rated 5 out of 5 by from Great value Great on-line quote and purchase system. Great value for comprehensive car insurance
Date published: 2019-08-03
Rated 5 out of 5 by from more protection very good products ie: wind screen and window glass cover, road side assistance
Date published: 2019-08-02
Rated 5 out of 5 by from Simplicity My user experience was excellent. Its a clean, simple process which is easy to navigate and doesn't present any barriers to becoming a customer.
Date published: 2019-08-02
Rated 5 out of 5 by from Wow. best deal Easiest process, and best deal out of many companies.
Date published: 2019-07-27
Rated 4 out of 5 by from Quick car quote Great value and quick quote. Easy to take out insurance cover.
Date published: 2019-07-24
Rated 5 out of 5 by from Happy with features I'm very happy with experience I had. Easy to apply on line.
Date published: 2019-07-22
Rated 5 out of 5 by from Great insurance Great insurance company with flexible payment terms and still being covered unlike other companies
Date published: 2019-07-21
Rated 5 out of 5 by from Great website and prices Good prices and service, moved three policies to AAMI - thanks
Date published: 2019-07-21
Rated 5 out of 5 by from great company and inclusions Very happy with this experience and previous experiences with AAMI
Date published: 2019-07-20
Rated 5 out of 5 by from Easy set up I have been with AAMI for a few years now and setting up a new policy is so easy to do online.
Date published: 2019-07-19
Rated 4 out of 5 by from quick and easy Needed to insure a new car did it over the phone Bhm
Date published: 2019-07-18
Rated 4 out of 5 by from Quick and easy steps to follow. I am very happy with joining AAMI Insurance. It is very easy to join. I enjoyed the experience
Date published: 2019-07-16
Rated 5 out of 5 by from Ease Fantastically straightforward and easy to use online quote and payment.
Date published: 2019-07-16
Rated 5 out of 5 by from easy to use web selections so quick and easy to use this website - great insurance options to suit my requirements
Date published: 2019-07-15
Rated 5 out of 5 by from Change of insurer I used to be insured through AAMI with my previous car, but took a policy through another insurer when I changed vehicles. After doing a shop around, i've come back full circle. Your online process was easy to understand and navigate. Being able to change the variables to suit what I wanted, to get the overall premium that I was happy with made the whole process enjoyable. Thank you.
Date published: 2019-07-12
Rated 5 out of 5 by from Simple! Just got myself full comp insurance and it was done in a matter of minutes. Super easy, super straight forward and the price was so much cheaper than I thought it would be. I loved the optional extras
Date published: 2019-07-12
Rated 5 out of 5 by from Great service , websites are easy to use I am very happy with the experience I had the website is easy to use, the prices are good
Date published: 2019-07-10
Rated 4 out of 5 by from Easy to do I have switched from another insurance company after a 15 year insurance history after the way they managed my one and only claim. The next three separate people I spoke to all said they were insured with AAMI and were very happy. My house is also insured with AAMI
Date published: 2019-07-10
Rated 5 out of 5 by from Good options Has many options that one can choose from and,you can insure for better than market value. My Calais V .LTR Has very low mileage and under a proetection blanket,(only gets driven on a sunny day) Other insurers mention market value,be wary of this as it is a large difference to what in many cases is a more realistic value to a car enthusiast .
Date published: 2019-07-09
Rated 5 out of 5 by from It always greate I am very happy with AAMI great service and fast respond.
Date published: 2019-07-07
Rated 5 out of 5 by from simple system great adds, simple to use system, my only constructive criticism is the.... font.... could be slightly larger and darker, .................. good job guys
Date published: 2019-07-07
Rated 5 out of 5 by from Straightforward, user friendly website AAMI provide very competitive policies, and their website is clear and user friendly. I was very impressed and will definitely use them for other insurance policies
Date published: 2019-07-06
Rated 2 out of 5 by from okay it never asked me about accessories or modifications! which the car does indeed have. then at the end when i went to summary, it said I had said there were no accessories or modifications! i did the quote 3 times and it never had anywhere for me to enter in the accesories. can you please contact me about this so i can be ssured the car is covered for what it is worth.
Date published: 2019-07-06
Rated 5 out of 5 by from Luckyyyyy.......I am with AAMI! Thanks AAMI Thanks AAMI Thanks AAMI Thanks AAMI Thanks AAMI
Date published: 2019-07-04
Rated 5 out of 5 by from Quick, easy, cheap car insurance Great online service with a discount for doing this!! Brilliant!
Date published: 2019-07-04
Rated 5 out of 5 by from Simple, no annoying phone calls, and cheapest Applying for comprehensive car insurance with AAMI was so easy. I could consider the quote in my own time, without being bombarded with phone calls and emails, and the quote ended up being the cheapest for a few hundred dollars.
Date published: 2019-07-04
Rated 5 out of 5 by from Easy to follow The first time I've used the Internet for this I hope I have done it correctly Dee was very helpful thankyou
Date published: 2019-07-03
Rated 4 out of 5 by from renewal horror get on line experience but was horrified to learn that i was uninsured since may 19. we had a policy with aami and don't recall getting a reminder notice via email and therefore have been uninsured. please check our records and send proof or otherwise that a reminder was sent out in time for may 19 renewal please.
Date published: 2019-07-02
Rated 5 out of 5 by from Great features It was quick and easy to get car insurance. Would like to have home insurance when my insurance with real insurance is going to expire.
Date published: 2019-07-01
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Disclaimer

Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (except ACT CTP), Home and/or Contents (including Landlord and Strata), Life, Income Protection, and Health. AAMI customers that only hold the following insurance policies aren’t eligible for AAMI Lucky Club: ACT CTP, Business, Pet, Travel.

The Reward and Recognition program ("Suncorp Benefits") is being operated by Loyalty Corp Australia Services Pty Ltd ABN 39 615 958 873 (Loyalty Corp). To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. Full Terms and Conditions are available here. Use of Suncorp Benefits is subject to the operator’s privacy policy.

* The links above will take you to a website owned or operated by Georgie, who is independent of us (Georgie's website). We do not sponsor or endorse any material on Georgie's website, and we make no warranty or representation about any information, products, services, offers or benefits available through that website. Separate terms may apply on the third party Georgie's website and you should read and accept these before proceeding with using Georgie's website. The information above is intended to be of a general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it - please make your own enquiries.

Georgie is a registered trading name of Carloans.com.au Pty Ltd ACN 161 036 228 (Licence No. MD27046 (WA); 4200843 (QLD)) which is a wholly owned subsidiary of Eclipx Group Limited ABN 85 131 557 901.

Carloans.com.au Pty Ltd ACN 161 036 228 and Car Buyers Australia Pty Ltd ACN 159 545 758 have a relationship with Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC and its related entities do not have any relationship with the providers of vehicles to Suncorp customers or the purchasers of vehicles pursuant to a trade-in from Suncorp customers via Georgie. If you purchase or trade-in a vehicle via Georgie, PC will receive a referral fee.

The services provided by Georgie are available in Australia only, but may not be available in all locations. Please make your own enquiries.

Pressure dents

Although small, paint chips and surface scratches can be really unsightly. Luckily, Schmick can have your car looking back to brand new.

Surface scratches

Although small, paint chips and surface scratches can be really unsightly. Luckily, Schmick can have your car looking back to brand new.

Bumper bar scrapes

It’s common for bumpers to get scuffed or scraped. Schmick is able to colour-match and blend minor cosmetic scratches, scrapes, dents, and scuffs, so your bumper looks good as new.

Write off

We consider your car a write off when:

  • It’s stolen and unrecovered after 14 days; or 
  • We decide it's uneconomical, impractical or unsafe to repair.

We also refer to this as ‘total loss’.

New car if less than 2 years old

If your car’s a total loss, we’ll cover the cost to replace it with a new car that’s the same or similar make and model if:

  • your car is less than 2 years old
  • you’re the first registered owner

This is a just summary. For full details check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading

 

Amount Covered

How much your vehicle's insured for.

It’s the maximum amount we’ll pay for loss or damage to your vehicle caused by an insured incident.  The amount is shown on your certificate of insurance and includes GST.

Modifications and accessories

Modifications are alterations made to your vehicle that change its original manufacturer's standard construction or performance - such as modified suspension.

Accessories are things that are added to your vehicle for convenience or attractiveness - such as tinted windows in a car - that don't change its original manufacturer's standard construction or performance.

AAMI car policies automatically include cover for modifications and accessories up to the amount your vehicle's covered for. There's no need to list them on your policy, just make sure the amount you cover your car for is enough to also cover the value of all the insured accessories and modifications.

Find Out More

The lucky winner will receive return flights to Melbourne*, 4 nights luxury accommodation, $10k prize money, 2 tickets to The 2019 Toyota AFL Grand Final and heaps more.

Here’s how it works:

Entries close 9th September 2019. Prize drawn 11th September 2019.

T&C’s apply

Eligible Policies

Eligible policies include AAMI Motor (excluding SA and ACT CTP) and Home Insurance policies purchased between 12th July 2019 and 9th September 2019.

Got a question?

Ask the AAMI Virtual Assistant